What's included? What's in it for you?
3RS Profit MAX™/The Playbook© on Disc 1 (PDF), contains over 100 pages of stories, techniques, examples, and other powerful information that will completely change, to your great benefit, the way you approach the business of insurance claim repair processing. In fact, just a couple of the items included in the program, once learned and put into practice, could earn you many thousands of dollars in additional but well deserved income – right away – if you take action, right away!
Do you door knock and/or flyer, place newspaper ad's, buy radio time, etc.? 3RS Profit MAX™/The Playbook© will teach you how to market your services in the most powerful, effective and profitable way. You'll also learn how to increase your sign up rate with higher income, better educated property owners with bigger properties which will allow you to increase your insurance repair work income (and high dollar referrals) while decreasing your work load. Plus, you'll learn why, when doing insurance paid repair work, price competition is never an issue - why your fellow contractors are never your competition and why you don't have to and should never give "free" estimates.
overviews of the topics below can be seen by clicking on the thumbnail pictures to the right
"From Fear to Financial Freedom - Selling 2 and 4 Success" ©
In "From Fear to Financial Freedom - Selling 2 and 4 Success"©, I write about how I was able to overcome some of the same fears that most of us have and in doing so, I was able to break through the barriers and limits that society attempts to place in our way – to "make my own movie", as it were and not, as I once heard someone say, “die with the music still in me." Sales Tips, Snippets and Other Thoughts will introduce you to powerful sales ideas used by some very successful business men and women I’ve worked with over the years. How to Earn More Money through “Up Selling” teaches you how to earn more money through upgrade orders from your customers after you have helped them to maximize their property damage insurance claims.
Sales Training Resources discusses several of the best resources for improving your skills. Know Your Products will turn basic trained "Insurance Restoration Sales" reps into well versed professional claims experts who make sure that all the damage is accounted for and paid for at real, true, and accurate (RTA) prices.
3RStimax™ - The RTA construction industry pricing standard
With their typically low ball pricing, relying solely on the so-called "industry standard" or similar P&C insurance mandated estimating programs to estimate your customers repair work is, IMO, like shooting yourself in the foot with the P&C insurance industry's own gun. Included FREE with your 3RSystems, LLC Insurance Claims Consultant (ICC)™ training program order, your new and intentionally uncomplicated licensed for life contractor friendly and easy to use 3RStimax™ estimating program will teach you how to and will allow you to price your customers insurance repair work as well as your retail estimates at real, true, and accurate (RTA) pricing for your area instead of the typically below market low ball P&C "insurance industry standard" pricing.
3RStimax™ automatically adds up all of your line item prices for you at real, true, and accurate (RTA) market rate pricing for your area that you input, figures in all materials sales taxes and miscellaneous prices - including EPA and OSHA compliance costs and other legitimate charges that most contractors never think to ask for, then correctly adds in your Overhead & Profit on every job at 100%. And, it will far exceed any insurance adjusters less than RTA loss report pricing numbers 99.99% of the time. Whether you submit your quotes directly on a 3RStimax™ or use it as a guide to get insurance adjusters estimates on your customers claims priced as they should be, you'll always be money ahead.
Adjuster Rebuttals - “Selling” Adjusters on Fully Paying Your Claims
The Adjuster Rebuttals - “Selling” Adjusters on Fully Paying Your Claims addresses thirty-three of the most common excuses that the vast majority of adjusters and in house claim reps use when attempting to deny payment for legitimate damage and provides you with powerful and proven rebuttals to those excuses. Knowing these powerful and specific adjuster rebuttals will put you in the drivers seat and cause adjusters and in house claim reps to keep the nonsensical underpayment and false denial attempts to a bare minimum.
3RSystems, LLC step by step business forms
36 in total on disc 2, most forms are ready to personalize with your company information then print off. You can use as few or as many of the forms as you like. Also included with the business forms is the 3RS presentation, 3RStimax™, a sample contingency agreement contract with proper contract language and many other helpful forms along with, “The Process”, which goes over each form and explains how to best utilize them.
3RSystems, LLC Property Owners Insurance Storm Damage Recovery Guide ©
Why choose a 3RSystems, LLC™ trained Insurance Claims Consultant (ICC) contractor?
Anyone can award themselves with the ambiguous title of "insurance claims specialist". While the title many initially sound impressive, the title is, in reality, not that meaningful. On the other hand however, property owners who visit the 3RSystems, LLC Property Owners Insurance Storm Damage Recovery Guide© will understand why doing business with a 3RSystems, LLC Insurance Claims Consultant (ICC)™ trained contractor will best serve their interests. The contractor or contractor rep who has gone through the 3RSystems, LLC Insurance Claims Consultant (ICC)™ insurance claim process training program - the most advanced and only training of its kind in the country and the same training that resulted in what was illustrated on the first page, means they really and truly are an expert and professional that property owners can trust to assist them in getting their claims fully paid at rates relative to the premiums paid.
Mortgage Loss Draft Primer - Show Me the Money!
Although Countrywide Mortgage (Balboa) handles most of their own loss draft processing and Sterling National Corporation (previously known as Z C Sterling) handles a fair percentage, most of the loss draft processing done throughout the USA is handled by a Atlanta, GA based niche financial services firm. In the Mortgage Loss Draft Primer, among other things, you'll learn who they are, who the top executives that are ultimately responsible for the terrible service are, and learn how to get a hold of them when your customer's insurance claim payments get lost in the "loss draft shuffle."
Property Owners Insurance Policy Overview
More and more these day's, the P&C insurance industry is promoting the fiction that contractor's are not capable of and should therefore be prohibited from assisting, advocating for, and negotiating on behalf of their customers because they don't understand insurance policy language. Considering the fact that most contractors who do insurance repair work on a regular basis are also property owners who pay insurance premiums and likely understand P&C insurance policies, how they work, and what they cover as well as anyone, that narrative falls flat. Fact is, policy language never once became on issue on any of my insurance restoration work. That being said, it never hurts to know all you can about the topic which is why I've recently added this new section that reviews the basics of all of the various types of P&C homeowner insurance policies available - including policies specific to Texas.
The 3RS Claims Process - from A to Z
The Claims Process - from A to Z is a detailed and complete how-to outline of the entire process as I practiced it over a number of decades which allowed me to achieve maximum insurance claim settlements for my customers and thereby achieve maximum income for myself and my company. Included are all of the necessary steps any contractor or contractor rep might need to take in order to achieve maximum claims pay outs for their customers including the thirty-three proven, powerful, and effective "Adjuster Rebuttals - Selling Adjusters on Fully Paying Your Claims" to beat back insurance adjusters disingenuous attempts to underpay and/or deny legitimate damage.
FREE lifetime membership in ICCOA™
Your membership in Independent Construction Contractors of America (ICCOA)™ is included free for life with your purchase of the program. As an Independent Construction Contractors of America (ICCOA)™ member you will have access to occasional members only information that will, when published and messaged to you, educate and inform regarding how the process really works.
Since O&P is calculated into the insurance premiums your customers pay, there is no valid reason or excuse for not paying full 100% O&P on your customers claims. Not paying O&P when it has already been "pre-paid" by your customers as part of their premiums results in, among other things, unfair and unjust enrichment to the insurance companies. By learning and understanding the language of "The O&P Statement", you'll learn how to repeatedly defeat the typical O&P denial arguments and dramatically increase the number of jobs where you are paid full 100% O&P which will, in turn, vastly increase your per job income.
Still using the "industry standard"? (Why?) Give yourself an immediate raise with 3RStimax™
With 3RStimax™ which is designed primarily for exterior and light interior retail and storm damage insurance repair work estimating, you'll learn how to vastly increase your per job quotes that will also include additional line items that most contractors never think to ask for. The results shown in the before 3RStimax™ ($23,485.76) and after 3RStimax™ ($35,722.94) loss reports in the clickable thumbnail to the right speak for themselves. Do that just one time and you've been paid back on your investment in 3RSystems, LLC Insurance Claims Consultant (ICC)™ training many times over. Unlike the so-called "industry standard" estimating program (@ up to $1,500 per year), Licensed for Life 3RStimax™ comes free with the program.
Additional helpful information regarding Insurance Company Bad Faith Practices, Prejudicial Engineering Firms, Busy-body “Do-Gooder” Bureaucrats, Insurance Adjusters and Claims Representatives - "Ah did not...find any damage", 2 + 2 = 3? - "The Perfect Hail Storm" - The Effect of Estimating Software on Pricing, Lack of Training, Overhead and Profit Issues, Business Structure, Marketing - "The 3RS Presentation", Auditing the Loss Report, Covering Your Ass-ets, Contingency Agreement Contracts, Insurance Company and Mortgage Servicing Company – Loss Draft Processor executive names and contact information, common and costly mistakes, how to price your work at real, true, and accurate (RTA) pro contractor pricing, getting the claim filed the right way so that you maintain control, how to get paid for line items that most contractors never think to charge for, and much more!
(defeating) the “No Negotiating / PA’s Only” (UPPA) Push
One of the biggest financial scams ever perpetrated against the American insurance buying public – who is behind it and how to defeat it
The Adjuster/Engineer Questionnaire/Report form is to be given to adjusters and engineers to complete prior to conducting their inspections. The form asks that they include their inspection narratives with their loss reports or "forensic" engineering reports. The form also includes the following highlighted warning notice to adjusters and engineers at the bottom of the page: "BE ADVISED THAT INSURANCE FRAUD OCCURS WHEN AN INSURANCE COMPANY, INSURANCE AGENT, INSURANCE ADJUSTER, INSURANCE CLAIMS MANAGER, INSURANCE CLAIMS EXECUTIVE, AND/OR FORENSIC ENGINEER COMMITS A DELIBERATE DECEPTION IN ORDER TO OBTAIN AN ILLEGITIMATE GAIN."
Expecting that few if any adjusters or engineers will agree to complete and sign the form which would reveal important info regarding their background, true employer, experience, etc., or even initial at the "I Refuse" (to sign) line of the form, when they do refuse (in front of contractor and insured as witnesses, when not recorded) their refusal will likely be seen as suspect, and that is the point - what do they have to hide? Whether they complete and sign the form or not, just reading the form will put the adjuster or engineer on notice that the much better informed insured and their contractor (you) will be paying much closer attention to the process.
Property Owner Insurance Claim Process Overview
The Property Owner Insurance Claim Process Overview which is to be given to the insured as soon as they are under contract will instruct and educate the insured on key points of the claims process. Included is an overview of UPPA and the 3RS "pre-appraisal" process you as a contractor will/should follow before hitting the UPPA "wall". In following and adhering to the 3RS "pre-appraisal" process, you'll take away the insurance company's delay, deny, defend powers and move your customers claims "From Filed to Final" in weeks instead of months.
Under the Engineer Inspections portion of the overview is an explanation of the process when an insurance company assigns a "forensic" engineer to inspect their property damage and why the engineer's opinion report is likely to state no damage attributable to storm damage. It also recommends to insured's that they web search for any complaints or law suits against the insurance company's chosen engineering firm and deny them access to the property if there is evidence that supports such a denial.
Overhead and Profit Issues – How to defeat the denials
The standard "3-trade rule", "not on roofing", "included in the line items", "need sub-contractor invoices" and "not complex enough" are specious, baseless and nonsensical arguments for not paying GC O&P on your jobs. With Overhead and Profit Issues – How to defeat the denials you'll learn how to defeat those denials in record time and learn how to hold adjusters and claims managers who refuse to include O&P on your customers claims accountable.
The Doctrine of Privity and Conscious Avoidance
Adjusters, claims managers, their supervisors and their company CEO's often operate under the mistaken assumption that since contractors and insured's are not a part of the contract between 3rd party adjusters and their firms and 3rd party engineers and their firms and the insurance companies who employ them, the Doctrine of Privity protects them from being held accountable (sued) for dishonest behavior. Not so...
Conscious Avoidance is the practice whereby company leaders who willfully shield themselves from clear evidence of critical facts are considered to be just as culpable and liable as defendants who have actual fact knowledge of a civil or criminal offense.
I regularly refer to UPPA as “one of the biggest financial scams ever perpetrated against the American insurance buying public”. UPPA is the wrench that has been thrown into the claims process that intentionally stalls claims for weeks and months beyond the time they should have been settled. Contractors who hit the UPPA wall understandably don’t want to bring in a PA or attorney whose fees will typically be paid out of claims proceeds thereby, often, but not always, leaving the contractor with less money to complete the repairs – and less profit. PA’s and attorneys who want to protect their own financial interests repeatedly remind contractors to “stay in their own lane” by not crossing over UPPA and UPL lines.
All the while, the P&C insurance industry that is the true source of UPPA, is laughing all the way to the bank, as the saying goes. There is a solution to the problem however, that, instead of causing friction between contractors and appraisers/PA’s/attorneys, provides a constructive and productive claims settlement process flow that allows contractors and appraisers and PA’s and attorneys to work together for the benefit of all parties. That solution is...
3RS If, Then / From Filed to Final© claims protocols
No insured property owner who suffers wind, hail, flood or other storm damage should ever have to wait for months after their claim has been filed to procure a final - real, true and accurate (RTA) claim settlement offer because of claims delays, denials and underpayments resulting from the questionable and/or intentional actions of independent and staff insurance adjusters, in house claims managers and insurance company paid forensic engineers. 3RSystems, LLC's new "3RS If, Then / From Filed to Final"© claims protocols, birthed several months prior to the May 2018 "Nashville Summit" where renowned Hurricane Sandy plaintiffs attorney John Houghtaling introduced our group of industry leaders to the newly formed American Policyholder Association (APA), will help contractors, public adjusters and plaintiffs attorneys across the country work together to shorten the "From Filed to Final" claims settlement process to weeks instead of months and, in conjunction with the APA, bring justice and fairness to insured's whose legitimate property damage claims have been unjustly delayed, denied and underpaid by their insurance companies.
With 3RS Profit MAX™ / The Playbook©, you'll learn the process from the construction, insurance/investment and legal perspectives that no one else in the country can teach!